Privacy Policy

SMS Terms and conditions

Effective Date: May 6, 2026

By providing your phone number and verbally consenting to receive text messages from IDR

LLC, you agree to the following terms and conditions.

1. Program Description

IDR LLC offers mobile alerts to our clients. These messages may include:

By opting in, you agree to receive:

Follow-up inquiries regarding your recent quote requests or insurance interests.

Responses to questions you have asked our agents.

Reminders to provide necessary information to complete an application or policy.

Status updates on pending inquiries or claims.

2. Verbal Consent & Opt-In

You have provided verbal consent to join this program during a phone conversation or in-person

meeting with one of our licensed agents. During this process, you were informed that:

You are opting into receiving recurring messages.

Consent is not a condition of purchase for any insurance product.

Message and data rates may apply.

3. Message Frequency

Message frequency varies based on your account activity and specific insurance needs. You

can expect to receive approximately [e.g., 4] messages per month.

4. Cost

IDR LLC does not charge a fee for our text messaging program. However, message and data

rates may apply from your mobile carrier, depending on your individual mobile plan.

5. Supported Carriers

Our SMS service is available on all major US carriers. Carriers are not liable for delayed or

undelivered messages.

6. How to Opt-Out (Stop)

To stop receiving text messages from [Insurance Agency Name], text STOP to [Your Phone

Number/Short Code] at any time. After texting STOP, you will receive one final confirmation

message to confirm that you have been unsubscribed. After this, you will no longer receive SMS

messages from us unless you provide a new verbal or written opt-in.

7. How to Get Help

If you are experiencing issues with our messaging program, you can reply with the keyword

HELP for more assistance, or contact our support team directly at info@idrgulfcoast.com or

(228) 273-4062.

8. Privacy Policy

We value your privacy. Your mobile information is handled in accordance with our Privacy

Policy. Note: Your SMS opt-in data and consent will not be shared with any third parties or

affiliates for marketing purposes.

9. Call to Action

Consent is obtained verbally during discovery calls or in-person consultations. Our

representative asks: 'Do you agree to receive follow-up inquiries and SMS messages from IDR

LLC? Message frequency varies. Message and data rates may apply. You can reply STOP to

opt-out at any time.

' Once the customer agrees, our staff checks a 'SMS Opt-In' box in our CRM,

which logs the date, time, and the staff member who witnessed the verbal consent.10. Standard Messaging Disclosures:

Message and data rates may apply.

You can opt out at any time by texting "STOP.

"

For assistance, text "HELP" or visit our Privacy policy and Terms and conditions pages.

Message frequency may vary

IDR LLC ("we, "us" or "our") is committed to protecting the privacy and security of the

nonpublic personal information (NPI) we collect from our clients and website visitors. This policy

explains our data practices in compliance with the Gramm-Leach-Bliley Act (GLBA) and mobile

carrier requirements (TCR).

1. Information We Collect

As an insurance provider, we collect information necessary to provide quotes, underwrite

policies, and process claims. This includes:

Personal Identifiers: Name, address, Social Security Number, and driver's license number.

Financial Data: Premium payment history, credit scores, and bank account information.

Contact Information: Email addresses and phone numbers.

Verbal Consent Records: For clients who opt-in to SMS communication via phone, we

document the date, time, and specific verbal agreement provided to our staff.

2. How We Use Your Information

We use your information strictly for insurance-related business purposes:

Processing your application for insurance.

Servicing your policies and processing claims.

Providing requested quotes from our carrier partners.

Communicating via SMS for appointment reminders or policy alerts (with your consent).

3. SMS & Mobile Messaging (TCR Disclosure)

We value your privacy regarding mobile communication. We do not engage in "cold" SMS

marketing.

Consent: We only send text messages to individuals who have provided express consent. This

is typically obtained verbally during a phone consultation or in-person meeting.

Non-Disclosure Clause: No mobile information will be shared with third parties/affiliates for

marketing or promotional purposes. All the above categories exclude text messaging originator

opt-in data and consent; this information will not be shared with any third parties.4. Information Sharing & Disclosure

Under the GLBA, we only share your nonpublic personal information:

With insurance carriers and third-party administrators to fulfill your request for insurance.

With regulatory or law enforcement authorities as required by law.

We do NOT sell your personal information or SMS opt-in data to third-party telemarketers or

lead generators.

5. Protecting Your Information

We maintain physical, electronic, and procedural safeguards to protect your NPI. Access is

restricted to employees who need that information to provide products or services to you.

6. Your Rights & Opt-Out

SMS: You may opt-out of text messaging at any time by replying STOP.

GLBA: You have the right to review the information we have on file for you. Because we do not

share your information with non-affiliated third parties for marketing, there is no "opt-out" of

third-party sharing required under GLBA for this agency.

7. Contact Us

IDR LLC

15506 Lemoyne Blvd, Ste B Biloxi, Mississippi, 39532

(228) 273-4062

info@idrgulfcoast.com